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  American Quest Home Loans Mortgage Refinance

American Quest Home Loans Mortgage Refinance

in Mortgage Refinance from American Quest Home Loans · NMLS ID #356777

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American Quest Home Loans Mortgage Refinance

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in Mortgage Refinance from American Quest Home Loans · NMLS ID #356777

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Highlights
Loan Amount Up to $5,000,000
Loan Term (Years) 15 - 30 years

American Quest Home Loans Mortgage Refinance Review

American Quest Home Loans Mortgage Refinance is offered by American Quest Home Loans (NMLS #356777), a direct lender founded in 2006 and based in Orange, CA. American Quest Home Loans Mortgage Refinance is available in 1 state across the USA.

Key Takeaways
  • Only two mortgage programs offered. American Quest Home Loans Mortgage Refinance refinances FHA VA conforming and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Non-standard interest rates available. American Quest Home Loans Mortgage Refinance offers hybrid mortgages, and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
American Quest Home Loans Mortgage Refinance Pros & Cons
Pros Cons
  • Charges an origination fee.
  • Charges prepayment fees.
  • Only available in 1 state.
American Quest Home Loans Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via American Quest Home Loans Mortgage Refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. American Quest Home Loans Mortgage Refinance offers mortgages refinancing with terms ranging from 15 to 30 years.

What is the estimated funding time for a mortgage refinance with American Quest Home Loans Mortgage Refinance?

American Quest Home Loans Mortgage Refinance will typically fund mortgage refinances within day of approval.

Does American Quest Home Loans Mortgage Refinance charge a mortgage origination fee?

Yes, American Quest Home Loans Mortgage Refinance will charge a loan origination fee.

What mortgage programs does American Quest Home Loans Mortgage Refinance offer?

American Quest Home Loans Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does American Quest Home Loans Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. American Quest Home Loans Mortgage Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
  • Secondary Home
APR Starting at 2.967%
Loan Term 15 - 30 years
Loan Amount Up to $5,000,000
Interest Rate Types Offered
  • Hybrid Mortgage
Mortgage Programs
  • FHA
  • VA
Terms 3/1, 5/1, 7/1, 10/1, 15, 20, 30 years

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